Bank Comparison
Citizens Alliance Bank vs Park State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 18
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Citizens Alliance Bank | Park State Bank |
|---|---|---|
| CET1 Ratio | 12.91% | 14.77% |
| Tier 1 Capital Ratio | 12.91% | 14.77% |
| Total Capital Ratio | 13.95% | 15.76% |
| Tier 1 Leverage Ratio | 9.63% | 9.81% |
| Equity / Assets | 9.81% | 9.85% |
Profitability
| Metric | Citizens Alliance Bank | Park State Bank |
|---|---|---|
| Return on Assets (ROA) | -0.82% | 1.42% |
| Return on Equity (ROE) | -8.32% | 14.70% |
| Net Interest Margin (NIM) | 3.63% | 3.30% |
| Yield on Earning Assets | 5.67% | 5.22% |
| Cost of Funds | 2.14% | 2.07% |
Asset quality
| Metric | Citizens Alliance Bank | Park State Bank |
|---|---|---|
| Texas Ratio | 12.94% | 6.96% |
| Non-Performing Loan Ratio | 1.75% | 1.07% |
| Non-Performing Asset Ratio | 1.18% | 0.67% |
| Net Charge-Off Ratio | 0.00% | 0.12% |
| ACL / Loans | 1.15% | 1.18% |
Balance sheet
| Metric | Citizens Alliance Bank | Park State Bank |
|---|---|---|
| Total Assets | $1,453M | $1,471M |
| Total Deposits | $1,255M | $1,200M |
| Total Loans | $980,548K | $913,923K |
| Total Equity | $142,563K | $145,004K |
| Net Income (quarter) | $-3,009 | $5,302K |
Liquidity & funding
| Metric | Citizens Alliance Bank | Park State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.12% | 76.10% |
| Core Deposit Ratio | 86.61% | 93.37% |
| Uninsured Deposit Ratio | 49.51% | 26.53% |
Identity
| Metric | Citizens Alliance Bank | Park State Bank |
|---|---|---|
| Headquarters City | CLARA CITY | DULUTH |
| Headquarters State | MN | MN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 17 | 20 |
| Employees (FTE) | 218 | 162 |
| Established | July 2, 1902, midnight | June 28, 1916, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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